Frequently Asked Questions

How do I make sure I’m not over-insured?

There are laws to protect you from buying extra policies that you do not need. I find that most people are underinsured rather than overinsured! Every person has their own level of risk they would like to take and feel comfortable about the amount of premium they would like to put out each month. I do offer Hospital Indemnity, Cancer, Accident Plans, and much more that you can request. These plans reduce your out-of-pocket expenses in case of an emergency, but at Front Range Benefits and Financial LLC, we do not expect you to purchase these policies.

Why do I need to buy insurance?

Medicare is not complete blanket coverage, there is co-insurance, deductibles, and co-pays. $0 premium plans have an out-of-pocket maximum per year and Medicare has no out-of-pocket maximum at all (I have seen bills that Medicare did not pay in excess of $100,000).
There is no guarantee that our lives will be free of illness or accidents or that we will all live to be 100. I feel privileged to provide my clients with the insurance coverage they need to cover any of these incidents. I know that my client and their family will get the care they need without financial worry.

Do you offer free consultations to new customers?

Yes, we will give you a lot of FREE consultation to help you get the right plan for you as there is no one size fits all when it comes to Medicare plans, we will make sure that you are on the right drug plan for your drugs that you are taking and make sure you are on the right Medicare plan or supplement that you can afford and feel comfortable with at the end of the day. 

I help people sign up for Medicare online when they are eligible and this will work out great for the people that only have a smartphone for internet access.